As a two-part series, the SENDING MONEY duology is unique in the presentation of the history of the cross-border payments industry since the shift from informal methods of migrants sending money home to the use by money transfer providers of EFTs -Electronic Funds Transfers. Technology initiated the first step toward digitization with the Telex and then the Fax, before the internet made its appearance. The use of technology created many opportunities and the explosive growth of an industry with the corresponding challenges to banks, governments, and regulators. The duology, written by an industry insider, is divided into two parts,  the first period, 1987 to 2000 and the second, 2001 to our present day, with a forecast for 2030.